养老金固定缴款计划几乎将所有的风险都传递给了雇员。
With a DC pension, nearly all the risk is passed to the employees.
相同的问题同样出现在私有部门和采取养老金的固定缴款计划的公司。
These same issues apply to those on private and defined-contribution pensions.
对于那些一辈子都待在教室和办公室里的工作人员，65岁应该是他们的最低退休年龄；新的公务员应该转轨到养老金固定缴款制度。
Sixty-five should be a minimum age for retirement for people who spend their lives in classrooms and offices; and new civil servants should be switched to defined-contribution pensions.
他们同时采取复合计划，即把部分传统的确定给付养老金形式替换为私营部门常见的养老金固定缴款计划。
They would also have hybrid plans, with part of the traditional defined-benefit pension replaced by a defined-contribution plan of the sort common in the private sector.
缴款的金额在很大程度上决定了最终的养老金数目，因此在目前水平下，养老金固定缴款计划将和以前的最终薪金退休金计划大不相同。
The amount put into a plan largely determines the resulting pension, so the current level of DC contributions will not deliver anything like the old final-salary pensions.
据塔沃森的一项研究，过去十年，养老金固定收益计划的全球资产每年仅增长2.9%，而养老金固定缴款计划的全球资产每年增长了7.5%。
Over the past ten years global assets in DB plans have grown by just 2.9% a year, whereas those in defined-contribution plans have increased by 7.5%, according to a Towers Watson study.
另一种方式获取数字的方式是，看看实行养老金固定缴款计划达十年的忠实成员。
Another way to get at the Numbers is to look at employees who were consistent members of DC schemes over a period of ten years.
密歇根州在1997年就不再对新员工实行养老金固定收益计划，阿拉斯加州于2006年实行了对新员工的养老金固定缴款计划。
Michigan closed its defined-benefit scheme to entrants back in 1997 and Alaska moved to a defined-contribution plan for new staff in 2006.
第二，在固定缴款计划中，雇主缴款低于最终薪金计划，因此养老金低于最终薪金计划。
Second, employers make smaller contributions to DC schemes than to final-salary plans [2], so pensions are likely to be lower.
乌玛拉先生还承诺给予120万名65岁以上没有养老金的老年人以非缴款养老金。
Mr Humala also promises to give a modest non-contributory pension to the 1.2m Peruvians over 65 who, he says, do not have one.
但是作为替代方案的固定缴款养老金计划(DC)却损害雇员利益。
But the replacement of DB schemes with defined-contribution (DC) plans hurts employees.
参加固定缴款计划且即将退休的家庭中位数仅有11.1万美元的养老金。
The median household approaching retirement in a defined-contribution scheme has a pot of just $111,000.
通过限定雇主的债务的最高限额，养老金计划从固定收益（DB）转变成固定缴款（DC）后，在很长一段时间后将会节约成本。
A switch from DB to DC will save money over the long term by capping the employer's liability.
因此，Saffold先生与其提议以50年内采取80%的资金比率为目标，还不如从2015年开始，将雇员养老金提缴款比率由每年提高1%，改为每三年提高1%。
So instead Mr Saffold proposed aiming at a funding ratio of 80% within 50 years, with employees' contributions being raised by 1% a year for three years from 2015.
因此，Saffold先生与其提议以50年内采取80%的资金比率为目标，还不如从2015年开始，将雇员养老金提缴款比率由每年提高1%，改为每三年提高1%。
So instead Mr Saffold proposed aiming at a funding ratio of 80% within 50 years, with employees' contributions being raised by 1% a year for three years from 2015.
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